AEGON Direct Marketing Services, Inc. (ADMS) is a leading direct marketer of life, supplemental health, and specialty insurance products, as well as fee-based programs. Using a variety of direct response techniques such as direct mail, television, outbound and inbound telemarketing, point-of-sale, statement inserts, and the Internet, ADMS offers consumers convenient alternatives for purchasing insurance.

With North American and international operations, ADMS currently services more than 19 million policies worldwide. Its extensive insurance product portfolio includes whole and term life, accidental death, supplemental health, and specialty products, including travel, student health, disability, credit life, and the administration of debt cancellation. Products offered by ADMS are underwritten by Stonebridge Life Insurance Company, Transamerica Life Insurance Company, Monumental Life Insurance Company, and Transamerica Financial Life Insurance Company - all AEGON companies. ADMS also offers a variety of non-insurance membership and fee-based products that complement its insurance products.

ADMS markets products to the under-served middle market through two distinct channels.

Sponsored Channel: To deliver results, ADMS develops and executes co-branded marketing programs using the endorsement of a sponsoring organization. ADMS works through brokers, agents, and third-party administrators as well as directly with business partners. The Company's expertise and longevity in direct marketing has made ADMS a valued partner of many of the leading financial institutions, associations, retailers, credit unions, and employer groups in the United States and around the world. Customized programs range from a full package of product development, administrative, technology, and marketing services, to providing only products or a single service such as product underwriting. Products marketed in this channel include accidental death, supplemental health, life, credit, travel, and student health insurance.

Direct Channel: To provide customers with convenience and access, ADMS offers its products directly to consumers primarily through TV, direct mail, telemarketing, and the Internet. The main products marketed in this channel are life and supplemental health insurance and non-insurance products. Since it provides unencumbered access to the consumer, the direct channel offers significant opportunities for product development and testing and to cross-sell products to existing customers.

ADMS possesses a depth and breadth of expertise and experience that enable it to develop innovative, customized products to meet customers' changing needs and fuel the division's growth.

Additional information can be found at: www.aegondms.com